Which card has the lower annual fee?

RBL Bank ShopRite has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.

Which card has the lower income requirement?

RBL Bank ShopRite lists a minimum monthly income of ₹15,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

HDFC Regalia Gold vs RBL Bank ShopRite

Honest side-by-side comparison of HDFC Regalia Gold, RBL Bank ShopRite — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC Regalia Gold leads RBL Bank ShopRite by about ₹5,096/yr in estimated net value.

HDFC Regalia Gold vs RBL Bank ShopRite comparison table
Feature	HDFC Regalia Gold HDFC Bank	RBL Bank ShopRite RBL Bank
Annual fee	₹2,500	₹0
Min income (monthly)	₹50,000	₹15,000
Top reward rate	4 RP/₹150	5% on first ₹1,000/mo
Net annual value (moderate spend)	₹5,556/yr	₹460/yr
Secured / FD-backed	No	No
Signup bonus	₹2,500	—

Frequently asked questions

Which card has the lower annual fee?: RBL Bank ShopRite has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.
Which card has the lower income requirement?: RBL Bank ShopRite lists a minimum monthly income of ₹15,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

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Your adjusted comparison

Feature	HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold HDFC Bank	RBL BankClassic RBL Bank ShopRite •••• •••• •••• 4242 Quick facts RBL Bank ShopRite Top reward5% on first ₹1,000/mo Annual feeLifetime Free Min income₹15,000/mo Tap to flip back RBL Bank ShopRite RBL Bank
Annual fee	₹2,500	₹0
Min income	₹50,000	₹15,000
Top reward rate	4 RP/₹150	5% on first ₹1,000/mo
Net value (moderate)	₹5,556/yr	₹460/yr
Secured / no bureau	Standard	Standard
Signup bonus	₹2,500	—

HDFC Regalia Gold details →RBL Bank ShopRite details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Regalia Gold comparisons